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Engaging Perspectives

Transforming Banking through Technology and Visionary Thinking

Technology

AI in Banking

4 min read

AI-Native Banking Isn't Coming in 2026. It's Already Here.

Financial institutions keep talking about "adding AI" to their operations. Installing chatbots. Deploying fraud detection models. Automating...

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Small Business Banking

2 min read

When Industry Bias Blocks Digital Progress: Rethinking Small Business Banking

When I’m helping Engage fi clients develop their digital strategies, the first question I ask is simple:

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Embedded Lending

1 min read

Walmart and Lendistry Partner to Offer Small Businesses a Lending Option

Key Takeaways From This Blog: Walmart’s partnership with Lendistry brings lending directly into the seller workflow, showing how credit delivery is...

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Universal Banker

2 min read

The Digital Universal Banker, Now with Instant Rails

Key Takeaways From This Blog: The Universal Banker is evolving into a digital, real-time advisor powered by AI, instant payment rails, and proactive...

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AI Agent Admin

3 min read

AI Isn’t One and Done: Banks Need an Agent Admin Before They Need Another Model

Key Takeaways From This Blog: AI isn’t static software, it learns, drifts, and changes over time. Treating it like a plug-and-play tool is a mistake....

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Paper Tiger

4 min read

Digital Bank Brands: Deposit Growth Engines or Paper Tigers?

Key Takeaways From This Blog: Inspired by early successes like Chime and Marcus, dozens of community and regional banks launched digital-only brands...

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1 min read

CRM Shouldn't Be a Four-Letter Word

CRM was pitched as the brain of modern banking. Instead, it became a bloated filing cabinet that is expensive, unloved, overfed with bad data, and...

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Stablecoin Blog

2 min read

Stablecoin Strategy: Next Steps for Financial Institutions

Adapting to the digital currency landscape in the wake of JPMorgan’s Announcement

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4 min read

Let's Talk Core Banking... Not in Theory, But in Reality

In the early 1990s, I made a pivotal shift in my career, from traditional banking at Bank of America (originally NationsBank) to the evolving world...

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2 min read

The Future of Banking: AI, Personalization, and the Audience of One

The banking industry as we know it is changing. While digital banking has reshaped the way customers interact with financial institutions, the next...

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